Debt Consolidation Calculator

Enter current debts and a proposed consolidation APR/term to compare monthly payment, payoff time, and total interest locally without rate shopping or lender offers.

Proposed consolidation APR

New term (months)

Financed fee

—Total current balance

—Weighted current APR

—Current monthly payments

—New modeled payment

Scenario	Monthly payment	Payoff months	Total interest
Current debts	—	—	—
Consolidation model	—	—	—

All rates and loan terms are user-entered assumptions; this page does not fetch offers or recommend a lender.

Connected debt and interest-rate workflow

v10.91 connects debt payoff, credit-card cost, loan comparison, APR/APY, effective-rate, weighted-rate, and hypothetical consolidation calculations while preserving every established historical canonical and calculation engine.

Compare assumptions, not offers

Results are deterministic browser-local math from the values you enter. They are useful for scenario comparison, but they are not a lender quote, approval decision, investment forecast, credit recommendation, or substitute for an account agreement.

How to use this Debt Consolidation Calculator

Compare multiple existing debts with a hypothetical fixed-rate consolidation loan using user-entered balances, APRs, payments, fees, and term.

Enter, paste, upload, or choose the inputs shown in the tool above.
Adjust the available options for the result you need.
Review the output before copying, downloading, or using it elsewhere.

What this tool does

Enter current debts and a proposed consolidation APR/term to compare monthly payment, payoff time, and total interest locally without rate shopping or lender offers.

Practical tips and limits

Treat the output as an estimate from the assumptions you enter. Real taxes, fees, rates, timing, and lender or account rules can change the real-world result.